Emigrant Mercantile Bank
6 E 43rd St, New York, NY 10017
Financial Overview
Financial Health Analysis
Emigrant Mercantile Bank is a currently active other specialized under 1 billion banking institution headquartered in New York, New York. Established in 07/09/2004, this institution operates under regulatory supervision and is fully insured by the FDIC.
As a financial institution, Emigrant Mercantile Bank manages $3.5M in total assets and holds $500,000 in customer deposits. When evaluating the stability of Emigrant Mercantile Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 85.42%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.
In terms of operational efficiency, the bank's Return on Assets (ROA) is -0.23%, while its Return on Equity (ROE) sits at -0.27%. These figures yield a lower health score of 4.0 out of 10, indicating potential areas for operational improvement and tighter capital management.
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$500,000 avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
FDIC Certificate #: 57834
Specialization: Other Specialized Under 1 Billion